Effective September 8, 2025
These Referral Program Terms ("Referral Terms") supplement and are incorporated into the Ditch Terms of Service and Privacy Notice. By participating, you agree to these Referral Terms.
The Ditch referral program (the "Program") lets eligible users ("Referrers") invite friends ("Referred Friends") to join Ditch. You must be 18+ and have a Ditch account in good standing. The Program is void where prohibited and may be changed or ended at any time.
Operational details (current amounts, caps, timelines, and geographies) may be shown in the in‑app Referral page and are incorporated by reference here; if they change, that page reflects the current Program.
Reward flexibility. The reward amount (and any promotional boosts) may change at any time. The in‑app Referral page shows the current Program details and controls if there’s any conflict.
A Qualified Referral occurs when all of the following are met:
(i) The Referred Friend is new to Ditch (no prior account), creates an account in their own name, and signs up using the Referrer's unique code at signup;
(ii) Within 30 days of creating their account, the Referred Friend completes at least one Automated Payoff; and
(iii) Both accounts remain in good standing and compliant with these Referral Terms.
Not eligible: self‑referrals, duplicate or fictitious accounts, referrals by or to the same person/household, incentivized or paid traffic (ads, coupon/deal sites, marketplaces) unless expressly allowed by Ditch, bulk/unsolicited messaging, or suspected fraud/abuse.
For each Qualified Referral, both the Referrer and the Referred Friend receive the reward amount displayed on the in‑app Referral page (the “Referral Bonus Amount,” currently $10). Ditch will make a separate payment in the Referral Bonus Amount (a “Referral Bonus Payment”) to each party's chosen Debt Focus account; it will not be combined with any other Automated Payoff.
Amount in effect. The Referral Bonus Amount is determined by what appears on the in‑app Referral page at the time the Referred Friend signs up with a Referrer’s code. Changes are prospective and do not apply to Qualified Referrals that occurred before the change.
Referral Bonus Payments typically post within 14 days after the Qualifying Automated Payoff is confirmed. If a payment cannot be completed (e.g., returned/closed account), we may retry or, at our option, apply the bonus to another eligible Debt account you select. Rewards are personal, non‑transferable, and are not redeemable for cash, gift cards, or credits. We may substitute a reward of equal value. We may withhold, cancel, or reverse rewards for returns/chargebacks, failed or reversed Payoffs, account closures, or policy violations. We may request identity, eligibility, or fraud‑prevention documentation within a specified timeframe before paying; failure to provide may result in withholding or cancellation. To the extent permitted by law, we may set off any amounts you owe us against Referral Bonus Payments.
Per person, the Program is capped at $100 total or 10 Qualified Referrals per calendar year (whichever occurs first). Ditch may modify caps prospectively. We do not expect any individual's total annual rewards to exceed $600; if ever your rewards approach regulatory thresholds (e.g., $600 in a calendar year), we may require tax onboarding (e.g., Form W‑9) and may issue informational tax forms (e.g., Form 1099‑MISC). You are responsible for any taxes.
Keep it honest and non‑spammy. Only share with people you know and who would reasonably expect to hear from you. If your post/message could be seen as an endorsement, you must clearly disclose you may receive a reward (e.g., "I may get $10 from Ditch if you join and make an Automated Payoff"). Do not buy ads using Ditch trademarks, post referral codes on coupon/deal sites, impersonate others, or scrape/sell codes. The Program is for individual, personal use only. No commercial use, paid search or social ads, affiliate/coupon networks, public code repositories, or mass postings. We may, at our discretion, move high‑volume or commercial referrers to a separate partner/affiliate program or end participation. Share only with people who asked for your invite or would reasonably expect it; don't post your code in public deal forums.
Today: Ditch does not collect invitee contact info until someone creates an account.
If we add invite tools later: You may be able to send invites via Ditch by entering contacts or letting us send on your behalf. If so, we will use invitee contact details only to send the invite you request, include required opt‑outs (e.g., "STOP" for SMS), and retain data only as needed to deliver the invite and track the referral. You agree to invite only people who would reasonably expect a message from you and to honor any unsubscribe/STOP requests. Messaging will comply with applicable laws. See our Privacy Notice for more. If you provide an invitee’s contact details to Ditch, you represent you have that person’s express consent to share their details with Ditch for a one‑time invite and referral tracking.
Referral links/codes are Ditch's property and licensed to you for personal, lawful use. Participation does not create an employment, partnership, or agency relationship with Ditch. You may not represent that you speak for Ditch or make claims beyond our published materials.
We may change, pause, or end the Program at any time. If we do, we will generally honor rewards already earned but not yet posted; however, we may cancel pending or suspected‑abusive rewards. Program interpretation decisions are in Ditch's sole discretion.
These Referral Terms are governed by—and disputes are resolved under—the Dispute Resolution and Governing Law sections of the Ditch Terms of Service. If any provision is unenforceable, the remainder remains in effect. Capitalized terms not defined here have the meanings in the Terms of Service.
Questions? Contact support in‑app or email help@ditch.io.